A smart dashboard that connects to major UK investment platforms and ISA providers, automatically tracking allowance usage, transfer eligibility, and optimal timing. The tool guides users step-by-step through transfers (cash ISA, S&S ISA, LISA), auto-fills provider forms with correct account details, calculates tax-free transfer limits for share movements from SAYE schemes, and alerts users to maturity dates and rate drops so they can act before losing value.

Recent LISA rule changes and the growing number of UK retail investors post-pandemic have created a surge in ISA transfers, while providers remain fragmented with inconsistent processes. Open Banking and emerging broker APIs now make it technically feasible to aggregate and automate what was previously a manual, error-prone process.